Home Appliance and Electronics Breakdown Coverage

home appliances

Home Appliance and Electronics Breakdown Coverage* insures your appliances or home electronics such as your refrigerator, air conditioner, water heater, big-screen TV, and more if they were to break down. You’ll be protected from costly out-of-pocket expenses for labor, parts, and loss of use. Add the Home Appliance and Electronics Breakdown coverage to your CIG Homeowners policy to gain peace of mind for a fraction of what you thought possible.

What Appliances or Electronics Are Covered?

  • Refrigerator
  • Computer
  • Stove/Oven
  • Water Heater or Furnace
  • Air Conditioning
  • Solar Panels
  • Big-Screen TV
  • Security System
  • Washer and Dryer
  • Built-in Kitchen Appliances
  • Submersible Pumps
  • Pool/Spa Equipment
  • Telephone Systems
  • And more…


Coverage Details

Your appliances and home electronics are covered up to a maximum of $50,000 per occurrence after a $500 deductible. You are also entitled to these additional coverages:

  • $3,000 for spoilage of perishable goods
  • $3,000 for pollution clean up
  • $3,000 for expediting expenses
  • $3,000 for “Go Green” energy-saving replacement parts or items
  • Additional living expenses in case the dwelling becomes uninhabitable

Go Green

Make a positive impact on your wallet and the environment! You may choose green-certified replacement parts or replace with a brand-new “green” unit (if your property cannot be repaired) up to an additional $3,000. Energy-saving appliances and equipment can help you reduce costs and possibly qualify for rebates or tax credits.

Learn More about Homeowners Equipment Breakdown Insurance


*Not available to Renters or Condo Owners at this time. Breakdown coverage includes all mechanical, electrical, or pressure equipment, appliances, or systems covered for other risks in your CIG Homeowners and Farmowners policy. Home Appliance and Electronics Breakdown Coverage is insurance protection against mechanical, electrical or pressure system breakdown. This coverage is not a warranty. Appliances or electronics that no longer work or no longer work as they should, due to wear and tear, are not covered.



Find a CIG Insurance Agent

Coverage descriptions are for illustrative purposes and are intended solely to provide a general overview of potential coverage. Information included does not represent a contract or any other obligation. Only an insurance policy can define actual terms, conditions, rates, and exclusions. Please consult your CIG Insurance Agent for complete details. Coverage is available from CIG for Homeowners, Renters, Condo Owners, and your personal automobiles in California, Nevada, Oregon, and Washington. Types of policies and coverage may vary from state to state.

CIG – Capital Insurance Group